Homeowners insurance in District of Columbia: premium by ZIP code
The District's median ZIP code paid $1,628 per policy in 2022; ZIP 20008 paid $3,698 and 20019 $1,147.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, District of Columbia (median ZIP code)
$1,628
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $2,168.
| Change from 2018 to 2022, after inflation | -0.9% |
| Premium per policy in 2018 | $1,643 |
| Premium per policy in 2022 | $1,628 |
| 2022 premium carried to September 2026 (BLS index) | $2,168 |
| Policies not renewed by the insurer, 2022 | 0.82% |
| Claims paid per 100 policies, yearly average | 5.4 |
| Average claim paid, 2018 to 2022 (adjusted) | $15,276 |
| Cancelled for nonpayment, 2022 | 0.86% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 20 ZIP codes in 1 counties of District of Columbia in the Treasury file · not a quote
Washington, DC appears in the Treasury file as 20 ZIP codes in one county-equivalent. Their median premium per homeowners policy was $1,628 in 2022, a little above the national $1,551 and ranked 23 of 51, and it barely moved after inflation from 2018, -0.6%. The spread inside the city is large: ZIP 20008 in upper Northwest paid $3,698 per policy and 20036 $3,353, while 20019 and 20032, east of the Anacostia River, paid $1,147 and $1,230. The gap reflects the size and value of the houses more than the weather. Claims fell after a busy 2018, when 8.3 claims were paid per 100 policies and the paid loss ratio was 57%. Rowhouse owners should check how the policy treats shared walls. The DC Property Insurance Facility covers homes private insurers decline. The data stop in 2022.
Northwest against east of the river
In a city, the premium per policy mostly follows the house. Upper Northwest, with detached houses in Cleveland Park, Woodley Park and Forest Hills, carries the highest dwelling limits and the highest premiums: 20008 at $3,698. ZIP 20036, around Dupont Circle, paid $3,353. In Wards 7 and 8, where rowhouses and smaller homes dominate, 20019 paid $1,147 and 20032 $1,230. The cheapest tenth of District ZIP codes paid under $1,271, the dearest tenth over $3,159.
A busy 2018, then calmer years
Paid claims were 8.3 per 100 policies in 2018, a wet year with heavy summer rain, then 4.8 in 2022. The paid loss ratio followed, from 57% down to 39%. Water is the common urban claim: a burst pipe, a backed-up sewer line or a roof leak in an older building. Sewer backup is excluded from many standard policies unless an endorsement is added, and it is a cheap one to buy in a city of old basements.
A small water claim in the District
Example, not your result yet· change a figure to see yours
Filing leaves you ahead by
$1,540
| Claim payment after deductible | $2,800 |
| Extra premium over the period | $1,260 |
| National median claim paid, 2018 to 2022 | $15,105 |
Rowhouses, condos and renters
A rowhouse owner insures the whole structure under a homeowners policy, including its share of the party walls, while a condominium owner buys an HO-6 policy for the unit's interior and relies on the association's master policy for the building. The figures here cover HO-3 and HO-5 homeowners policies only. Many District households rent; the renters calculator sizes a renters policy from an inventory.
The DC facility and the regulator
The DC Property Insurance Facility writes named-peril dwelling, homeowners, renters and condominium forms for properties that cannot find coverage elsewhere. The DC Department of Insurance, Securities and Banking licenses insurers and handles complaints. Nonrenewals in the median ZIP code were 0.82% in 2022, up from 0.38% the year before, and cancellations for nonpayment ran at 0.86%, one of the lowest rates in the country. An owner who receives a notice can ask the facility for a quote while shopping private insurers, so there is no gap in coverage.
District of Columbia, year by year
| Year | District of Columbia median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,643 | $1,445 | 0.80% | 8.3 | 57% |
| 2019 | $1,644 | $1,469 | 0.67% | 5 | 44% |
| 2020 | $1,651 | $1,491 | 0.34% | 4.9 | 42% |
| 2021 | $1,632 | $1,521 | 0.38% | 4.5 | 36% |
| 2022 | $1,628 | $1,551 | 0.82% | 4.8 | 39% |
The District of Columbia counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| District of Columbia | 20 | $1,643 | $1,628 | -0.6% | 0.82% | $15,276 |
Highest and lowest premiums per policy, District of Columbia ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 20008 | District of Columbia | $3,698 | +1.2% | 0.56% |
| 20036 | District of Columbia | $3,353 | +2.1% | 0.00% |
| 20007 | District of Columbia | $3,137 | -0.6% | 0.56% |
| 20005 | District of Columbia | $2,990 | +6.7% | 0.00% |
| 20016 | District of Columbia | $2,765 | +2.0% | 0.51% |
| 20019 | District of Columbia | $1,147 | -1.8% | 1.45% |
| 20032 | District of Columbia | $1,230 | +0.9% | 1.62% |
| 20017 | District of Columbia | $1,276 | -1.3% | 0.86% |
| 20020 | District of Columbia | $1,294 | -1.2% | 1.31% |
| 20018 | District of Columbia | $1,391 | -0.2% | 1.33% |